According to Joris Toonders of Dutch internet marketing company Yonego, data is the new oil in the digital economy – writes Margaret Snowdon OBE, Chair of PASA and Non-Executive Director of TPR, in a guest blog.

Let’s not mince words, scamming is a criminal activity. And let’s also be honest that the theft of consumers’ pension savings has proved hard to prevent under the current legislative and regulatory framework.